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Proudly serving clients across MD, DC, DE, FL, GA, NC, PA, SC, TN, VA, WV
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from google great loan officer Jon Ridgeway Sep 09
great loan officer
Rating: 5.0 out of 5.0 from Encompass Everyone was incredibly helpful and made the process as smooth as possible. Lance StephenCaret, VA Sep 05
Everyone was incredibly helpful and made the process as smooth as possible.
Rating: 4.3 out of 5.0 from Encompass Concerned personnel. Following up on your customers. Edward DuaneSt Leonard, MD Sep 05
Concerned personnel. Following up on your customers.
Rating: 5.0 out of 5.0 from facebook So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!! Jennifer Ashbaugh Fitzpatrick Sep 04
So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!!
Rating: 5.0 out of 5.0 from facebook Wonderful refinance experience! Nicole Kapinos Herrington Sep 04
Wonderful refinance experience!
Rating: 5.0 out of 5.0 from google My experience was amazing working with Tim. He was quick to respond to all of my questions and helped make my first time home buying experience go seamlessly! Davon Washington Sep 03
My experience was amazing working with Tim. He was quick to respond to all of my questions and helped make my first time home buying experience go seamlessly!
Rating: 5.0 out of 5.0 from Encompass Everyone was very helpful and responded to my messages very quickly. Davon AnthonyLusby, MD Sep 02
Everyone was very helpful and responded to my messages very quickly.
Rating: 4.8 out of 5.0 from Encompass Fantastic experience LuisGreat Mills, MD Aug 27
Fantastic experience
Rating: 5.0 out of 5.0 from google Everyone involved in the process was super polite and patient with us. With us being first time home buyers, we weren't sure what to expect. But they made it as easy as possible. Sincerely, thank you. Curtis Hufford Aug 26
Everyone involved in the process was super polite and patient with us. With us being first time home buyers, we weren't sure what to expect. But they made it as easy as possible. Sincerely, thank you.
Rating: 5.0 out of 5.0 from google Had an amazing experience working with the team at AnnieMac Home Mortgage. They brought a great human touch to a stressful process. The loan officers were incredibly patient, highly responsive, and walked me through every step of the mortgage process. Highly recommend them for a seamless home-buying experience! Ricardo Garaycochea Aug 25
Had an amazing experience working with the team at AnnieMac Home Mortgage. They brought a great human touch to a stressful process. The loan officers were incredibly patient, highly responsive, and walked me through every step of the mortgage process. Highly recommend them for a seamless home-buying experience!
Rating: 5.0 out of 5.0 from Encompass Closing was smooth sailing. Shannon APort Republic, MD Aug 23
Closing was smooth sailing.
Rating: 5.0 out of 5.0 from Encompass Great communication TinaLusby, MD Aug 20
Great communication
Rating: 5.0 out of 5.0 from Encompass Dear Tim, I am writing this letter to express my deepest, most sincere gratitude for your incredible help, guidance, and support throughout the process of purchasing my very first home. Buying a home is widely known to be one of the most significant, stressful, and monumental milestones in a person’s life. As a first-time homebuyer, I entered t... Ricardo NicholasBaltimore, MD Aug 20
Dear Tim, I am writing this letter to express my deepest, most sincere gratitude for your incredible help, guidance, and support throughout the process of purchasing my very first home. Buying a home is widely known to be one of the most significant, stressful, and monumental milestones in a person’s life. As a first-time homebuyer, I entered t...
Rating: 5.0 out of 5.0 from google The entire process, from our very first phone call to the closing table, exceeded my expectations. Every question and concern was addressed quickly, and I always felt heard and genuinely cared for. I never felt like just another transaction—the excitement and joy of the process felt truly mutual. Their knowledge and expertise, combined with thei... Jessica Lee Aug 19
The entire process, from our very first phone call to the closing table, exceeded my expectations. Every question and concern was addressed quickly, and I always felt heard and genuinely cared for. I never felt like just another transaction—the excitement and joy of the process felt truly mutual. Their knowledge and expertise, combined with thei...
Rating: 5.0 out of 5.0 from Encompass From the very first time we spoke to Tim, we knew he'd be the one to make our dream of homeownership come true. He guided us, communicated, and was always (and I mean always) available to us for anything that crossed our minds. The entire team was amazing! We couldn't have chosen a better lending team and now know firsthand exactly why they were s... Jessica RaeMechanicsville, MD Aug 18
From the very first time we spoke to Tim, we knew he'd be the one to make our dream of homeownership come true. He guided us, communicated, and was always (and I mean always) available to us for anything that crossed our minds. The entire team was amazing! We couldn't have chosen a better lending team and now know firsthand exactly why they were s...
Rating: 5.0 out of 5.0 from Encompass The whole team was very helpful, quick, understanding and great to work with. Penny ELusby, MD Aug 17
The whole team was very helpful, quick, understanding and great to work with.
Rating: 5.0 out of 5.0 from google Tim Murphy is the lending king. My clients secured state grant dollars and wrote concrete offers that closed with out a snag. Lisa Pinder - DMV Realtor Aug 14
Tim Murphy is the lending king. My clients secured state grant dollars and wrote concrete offers that closed with out a snag.
Rating: 5.0 out of 5.0 from google Tim was great to work with. I recommend seeking him out for his experience and knowledge. Windy B Aug 14
Tim was great to work with. I recommend seeking him out for his experience and knowledge.
Rating: 5.0 out of 5.0 from google Tim explained the buying process thoroughly to my first home buyer clients. He gave them all available options to get them the best deal possible. His team worked efficiently to get us to the table on time without any hiccups. Tim is the BEST!!! Denise Thomas Aug 14
Tim explained the buying process thoroughly to my first home buyer clients. He gave them all available options to get them the best deal possible. His team worked efficiently to get us to the table on time without any hiccups. Tim is the BEST!!!
Rating: 5.0 out of 5.0 from google Tim Murphy is such a great Leader & Lender. He goes above and beyond in what he does. If I have questions he’s there to answer them and explain why. He will find you or your clients the best programs that works for you and if you need to do anything to put you in better position he’ll guide you on what you need to do. Justine Conteh Aug 14
Tim Murphy is such a great Leader & Lender. He goes above and beyond in what he does. If I have questions he’s there to answer them and explain why. He will find you or your clients the best programs that works for you and if you need to do anything to put you in better position he’ll guide you on what you need to do.